Business Details
50+ Years
experience
Emergency
services
Your Trusted Partner for Financial Services in Dunbar, WV
Kemba Charleston Federal Credit Union has served the financial needs of our community since 1935, when we became West Virginia's first federally-chartered credit union. With over $45 million in assets and serving more than 3,400 members, we maintain a strong commitment to providing accessible, member-focused financial services. Our experienced team offers personalized guidance across a comprehensive range of products including checking and savings accounts, vehicle loans, mortgages, and financial counseling services.We operate from our main office in Dunbar, WV, with a dedicated staff trained to address members' financial needs through both traditional banking services and modern digital solutions like online banking and mobile apps. Our board of directors ensures we maintain strict compliance with federal regulations while prioritizing member satisfaction through transparent practices and community engagement initiatives.
Services
Checking Accounts
Savings Accounts
Vehicle Loans
Mortgage Loans
Financial Counseling
Online Banking
Mobile Banking
Bill Payment Services
Details
- Year established: 1935
Highlights and features
- Established in 1935 with deep roots in West Virginia's financial landscape
- Three certified financial counselors available for personalized credit guidance
- 24/7 fraud protection services for lost/stolen cards after business hours
- Comprehensive online banking platform with bill payment and mobile access
- Member-owned cooperative structure ensuring competitive rates and reinvestment in community
Associations and certifications
- NCUA
What people say
Personalized service
Competitive rates
Knowledgeable staff
Community focus
Quick approvals
Services
Vehicle Loans
We offer competitive vehicle loans for new and used car purchases with flexible terms up to 72 months. Our financing options include GAP insurance protection and refinancing opportunities for qualified borrowers. Members benefit from personalized loan counseling and streamlined application processes through our online banking platform or branch locations.
Financial Counseling
Certified financial counselors provide personalized credit improvement plans and debt management strategies. This free service includes budget analysis, credit report review, and customized action plans to help members achieve financial stability through one-on-one consultations at our Dunbar branch.
Online Banking
KembaConnection offers 24/7 account management with features like fund transfers, bill payment, eStatements, and loan applications. The platform supports real-time balance checks, transaction history review, and secure messaging with staff through encrypted connections for enhanced financial convenience.
Mortgage Loans
We provide purchase and refinance mortgage options for primary residences with competitive fixed and adjustable rate programs. Services include home equity loans, second mortgages, and specialized counseling to guide members through the home buying process with personalized rate quotes and documentation assistance.
Savings Accounts
Our savings solutions include regular shares, premium savings, and IRA accounts with tiered dividend rates. Members enjoy features like direct deposit, payroll deduction options, and youth savings programs including Christmas Club and Little Star Savers Club for children's financial education.
People
Joetta Heck
Manager
Joetta Heck leads our credit union with over 25 years of financial services experience, overseeing daily operations and strategic growth initiatives while maintaining our community-focused mission.
Peggy Hamer
Assistant Manager
Peggy Hamer manages branch operations with 20+ years of credit union expertise, ensuring efficient service delivery and regulatory compliance across our financial product offerings.
Linsy Nozica
Loan Officer
Linsy Nozica specializes in consumer lending with a decade of experience helping members secure vehicle and personal loans through personalized credit assessments and financing solutions.
Questions
What financial services does Kemba Charleston Federal Credit Union offer?
We provide checking and savings accounts, vehicle loans, mortgages, personal loans, financial counseling, and online banking services to members in Dunbar, WV.
How can I apply for a loan?
Apply online through KembaConnection, visit our Dunbar branch, or contact our loan department to start the application process for vehicle, mortgage, or personal loans.
Are there fees for online banking services?
Our online banking platform offers free fund transfers, bill payment, and account management tools with no additional service fees.
What financial counseling services are available?
We offer free one-on-one financial counseling with certified professionals to help improve credit scores, create budgets, and manage debt effectively.
How do I report a lost or stolen card?
Call our main number (1-800-800-5322) during business hours or use the 24/7 fraud line at 1-800-472-3272 for immediate card deactivation and replacement assistance.
Reviews (5)
Laura Ratliff
Dec 22, 2021
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I've been with kemba for 20 years never had a probablem
getting a loan and if I did they bent over backwards to fix the problem. Love them fine lady's. Always egar to help.
getting a loan and if I did they bent over backwards to fix the problem. Love them fine lady's. Always egar to help.
Holly Buscher
Nov 18, 2021
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Most of the people there are nice, willing to help. Not giving it a full five star rating because when I went to go see about financing my car a few months ago, Unprofessional employee came outside asked me what I wanted and was real rude and judgmental. Besides that everyone else was sweet.
Jennifer English
May 25, 2021
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A well deserved 5 star credit union....always professional and courteous...and I have been a member for well over 30 yesrs... I just wish they had an office in Short Pump VA...Kudos to the entire staff and management at KCCU
Phantom Xavier
Oct 27, 2020
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Repeatedly locks your card if you so much as make $100+ in online purchases and then the backwards operating hours will prevent you from accessing your money on a weekend. The "Fraud Dectection System" also conveniently only works Monday-Friday so good luck if you have an urgent payment due on the weekend after shopping online.
Jj Johnson
Jun 15, 2019
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The staff are amazing very cheerful, I feel like I'm at family members house instead of a bank, I always walk into smiles and laughter, caused only by absolutely amazing staffing but their system is horrible... I've had money held for reasons the bank itself couldn't understand, and more then once... If they updated their system I doubt any bank in the area could come close to comparison
